No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,036/mo from completion — the no.1 reason to invest
This is the money left after the mortgage, the running costs and tax — not the rent.It assumes the rent we modelled and the empty weeks we assumed. Change either and it moves. Try your own numbers →
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Lenders test the rent against a stressed rate, not the one you are quoted. This clears it.The cover level is each lender’s own policy, not law — treat it as the shape of the test. See the lender's view →
Why to be cautious
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,013–$2,692/mo · n=67
Financing
DepositYour cash in — the rest is the mortgage25% · $27,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.00%
3.00%9.00%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $110,000 asking ($66,000). Raw model: $51,090–$95,980. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $82,500 loan + $1,000 booking fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Typical building+landlord cover for sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$1,036
after mortgage, operating costs & tax
Rent in$2,328/mo
$2,238Collected
$2,238/mo actually reaches you — the other $90 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$549Mortgage$743Costs$1,036Your profit
$1,036/mo left as profit · 46% of rent kept
Mortgage$549
Costs$743
Management$233
Maintenance$67
Insurance$20
CapEx reserve$116
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$1,036
Returns
Return before costson price25.40%
Cash returnon cash12.96%
Gross margin$1,496
Cash needed$95,975
Monthly profit payback7y 9m
Data confidence
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